ATV & UTV Loans: Low Fixed Rates & Easy…

Recreational Loans

ATV & UTV Loans

Powerful financing for the ride of your life.

Gather your crew and escape the crowds with a go-anywhere ATV or UTV. With our great financing deals on both new and used vehicles, the great outdoors is closer than you think. Check out these great features on our ATV and UTV loans: Low interest rates. Repayment terms to fit your budget. Fast application process. Borrow 100% of the vehicle cost* No application fees — ever!

View rates

Get the four-wheeler you want. We finance both brand-new and used ATVs and UTVs.

You’ll pay less in interest over the term of your loan with our hard-to-beat rates.

Apply for an ATV or UTV Loan online, in a branch, by telephone, or on-site at a participating dealership.

Finance the full cost of your vehicle with no down payment required from well-qualified borrowers.

Enjoy no Maintenance Fee with your Listerhill membership while your loan is open.

Make payments through Online or Mobile Banking, automatic payments, or at your local branch.

New & Used Vehicles

Get the four-wheeler you want. We finance both brand-new and used ATVs and UTVs.

High Revs, Low APRs**

You’ll pay less in interest over the term of your loan with our hard-to-beat rates.

Convenient Applications

Apply for an ATV or UTV Loan online, in a branch, by telephone, or on-site at a participating dealership.

Full-Value Financing

Finance the full cost of your vehicle with no down payment required from well-qualified borrowers.

Waived Maintenance Fee

Enjoy no Maintenance Fee with your Listerhill membership while your loan is open.

Easy Payment Options

Make payments through Online or Mobile Banking, automatic payments, or at your local branch.

Get Into Gear for Adventure With an ATV or UTV of Your Own

It’s hard to beat the exhilaration of taking on the terrain in an ATV or UTV. We’ve made it easier to experience the freedom of offroading with loans that cost less to apply for and save you money over time. Make the most of our great rates. Choose a new or used vehicle loan term that works with your budget: 60-84 months on new & used ATVs/UTVs valued over $10,000 60-74 months on all other new ATVs/UTVs 60 months on all other used ATVs/UTVs Go where you want to go on a new or used off-road vehicle of your own. Apply for an affordable Listerhill Credit Union ATV loan today!

Recreational Loans Current Rates

Recreational Loans

Effective 8/1/2026

New Motor Homes

APR as low as (%): 8.49%

Term (Months/Years): 180 months

New Motor Homes

APR as low as (%): 7.99%

Term (Months/Years): 120 months

New Motor Homes

APR as low as (%): 6.99%

Term (Months/Years): 84 months

Used Motor Home

APR as low as (%): 8.99%

Term (Months/Years): 180 months

Used Motor Home

APR as low as (%): 8.49%

Term (Months/Years): 120 months

Used Motor Home

APR as low as (%): 7.50%

Term (Months/Years): 84 months

New Travel Trailer or 5th Wheel

APR as low as (%): 8.49%

Term (Months/Years): 180 months

New Travel Trailer or 5th Wheel

APR as low as (%): 7.99%

Term (Months/Years): 120 months

New Travel Trailer or 5th Wheel

APR as low as (%): 6.99%

Term (Months/Years): 84 months

Used Travel Trailer or 5th Wheel

APR as low as (%): 8.99%

Term (Months/Years): 180 months

Used Travel Trailer or 5th Wheel

APR as low as (%): 8.49%

Term (Months/Years): 120 months

Used Travel Trailer or 5th Wheel

APR as low as (%): 7.99%

Term (Months/Years): 84 months

Used Travel Trailer or 5th Wheel

APR as low as (%): 7.50%

Term (Months/Years): 72 months

New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000

APR as low as (%): 8.24%

Term (Months/Years): 84 months

New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000

APR as low as (%): 7.24%

Term (Months/Years): 75 months

New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000

APR as low as (%): 6.99%

Term (Months/Years): 60 months

New Motorcycle or ATV/UTV

APR as low as (%): 7.74%

Term (Months/Years): 75 months

New Motorcycle or ATV/UTV

APR as low as (%): 6.99%

Term (Months/Years): 60 months

Used Motorcycles or ATV/UTV

APR as low as (%): 7.99%

Term (Months/Years): 60 months

New Boat

APR as low as (%): 8.49%

Term (Months/Years): 180 months

New Boat

APR as low as (%): 8.24%

Term (Months/Years): 144 months

New Boat

APR as low as (%): 7.99%

Term (Months/Years): 120 months

New Boat

APR as low as (%): 6.99%

Term (Months/Years): 84 months

New Boat

APR as low as (%): 6.74%

Term (Months/Years): 72 months

Used Boat

APR as low as (%): 9.74%

Term (Months/Years): 180 months

Used Boat

APR as low as (%): 9.49%

Term (Months/Years): 144 months

Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000)

APR as low as (%): 9.24%

Term (Months/Years): 120 months

Used Boat

APR as low as (%): 7.99%

Term (Months/Years): 72 months

Used Boat

APR as low as (%): 6.99%

Term (Months/Years): 60 months

New Waverunner or Personal Watercraft

APR as low as (%): 7.49%

Term (Months/Years): 84 months

New Waverunner or Personal Watercraft

APR as low as (%): 7.24%

Term (Months/Years): 72 months

Used Waverunner

APR as low as (%): 8.75%

Term (Months/Years): 72 months

All Recreational Loan rates, APRs, and terms are subject to change without notice. Membership eligibility is required. All loans are subject to credit approval. Actual rate and APR will be based on the borrower's creditworthiness. Additional loan terms may be available based on collateral type, loan amount, and credit qualifications. Additional eligibility requirements, terms, and restrictions may apply. Contact a Listerhill member advocate or loan officer for complete details. APR = Annual Percentage Rate.

Relationship pricing discounts are available on eligible recreational loans when requested within thirty (30) days of loan origination. Approved borrowers may qualify for a 0.25% APR reduction for each of the following: opening an Everyday or Growth Checking account; establishing direct deposit to a new or existing Listerhill account; setting up automatic payments for a new or existing Listerhill loan account; opening a Listerhill Visa® Signature Rewards or Visa® Platinum credit card; and/or refinancing a loan from another financial institution with Listerhill. Discounts may be combined for a maximum total reduction of 1.00% APR. The discounted APR cannot be reduced below 6.00% APR. Existing Listerhill loans are not eligible for refinance discounts. Offer cannot be combined with any other promotion. Additional eligibility requirements and restrictions may apply. Visit listerhill.com/relationship for complete details.

★★★★★

“I have been with Listerhill Credit Union for over 15 years and I do not have a bad thing to say about them. They are great people to work with and to do business with. A big thumbs up!”

— Douglas O., Haleyville, AL

ATV/UTV Loan FAQs

Help Center

Is it hard to finance an ATV?

Getting financing for an ATV usually isn’t hard if you have fair to good credit and a steady income. Affordable ATV loans are available from Listerhill Credit Union. The best loan terms are available to borrowers with the highest credit score. Choosing a shorter loan term or putting money down can make approval easier. Use our ATV/UTV loan calculator to determine the best monthly loan payment for you.

What is a good interest rate for an ATV loan?

Interest rates for ATVs are influenced by overall market conditions, as well as the value of the vehicle being financed and the creditworthiness of the borrower. In general, the higher your credit score, the lower the rates you may qualify for. While the price of the ATV affects the total loan amount, interest rates are driven primarily by credit profile and loan terms—not price alone. New ATVs often qualify for lower rates than used models, since used vehicles are considered higher-risk collateral. Listerhill currently offers interest rates on ATV loans ranging from 7.24% to 8.49% APR.

Can I get a loan for a four-wheeler?

Yes, lenders, including Listerhill, offer loans on new and used ATVs.

What credit score do I need to finance an ATV?

Lenders look at several issues when deciding whether to extend financing for an ATV, including your credit history, but also the type of vehicle being financed, the size of the loan being requested, and the amount of money you can put down. That said, the minimum credit score for an ATV loan usually falls between 580 and 600, with better terms available for those with scores of 660 or above. These are generalizations, and approvals do vary on a case-by-case basis.

Can I get a loan for a side-by-side?

Yes, lenders do extend credit for you to purchase a UTV or side-by-side. Talk to us about Listerhill Credit Union’s UTV loan rates.

What is the average term of a side-by-side loan?

Financing terms for side-by-sides are similar to those for ATVs and motorcycles, with the amount of time to pay off your loan depending on the value and condition of the vehicle and your creditworthiness. Listerhill currently offers interest rates on side-by-side loans between 7.24% and 8.49%.

What does Annual Percentage Rate (APR) mean?

The Annual Percentage Rate or APR represents the total annual cost of your loan, including both the interest rate and any applicable fees. It provides a fuller picture of what you’ll actually pay over the life of your loan. When comparing loan offers, the APR makes it easier to determine which option is the best fit for your budget.

Additional Products

Credit Life & Credit Disability Insurance

In the event of an emergency, safeguard your family through optional loan payment protection.

Auto Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.

What’s It Worth?

Get pricing and information on new cars, used cars, classic cars, motorcycles, RVs, and manufactured homes from the NADA.

How Much Can You Afford?

Empower yourself to make smart financial decisions. Use our calculators to figure how much you can afford to borrow, how much interest you will pay over the life of a loan and more.

View Calculators

Vehicle and loan on the spot

When you purchase your new or used recreational vehicle at a participating dealership, you can finance your vehicle through Listerhill and complete your transaction on the spot. All of the paperwork is taken care of at the dealership. You enjoy the same great Listerhill rates and services without an additional trip to your local branch.

Find A Dealership

You Are Leaving Our Website